Geldmaat: An example of ATM pooling in the Netherlands

Erik Kwakkel and Victor De Wolff
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Erik Kwakkel: Chief Executive Officer, Geldmaat, The Netherlands
Victor De Wolff: Chief Financial Officer, Geldmaat, The Netherlands

Journal of Payments Strategy & Systems, 2022, vol. 16, issue 1, 75-85

Abstract: Geldmaat was established by ABN AMRO, ING Bank and Rabobank in 2019. After three years of working together, the three banks retired their respective automated teller machines (ATMs) on 1st October, 2021, replacing them with a network of ATMs owned and operated by Geldmaat. By combining forces to create Geldmaat, the banks have ensured that cash will continue to be available and accessible over the coming years. Nevertheless, the future of the cash chain in the Netherlands remains a topic of much discussion. This paper explains the transition process, from the initial steps in the pooling process to the rollout itself, in addition to the services now offered by Geldmaat. It then goes on to discuss the future of the cash infrastructure in the Netherlands.

Keywords: cash; digitisation; ATM pooling; cash chain (search for similar items in EconPapers)
JEL-codes: E5 G2 (search for similar items in EconPapers)
Date: 2022
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